2026 Hong Kong Business and Corporate Credit Card Guide | Benefits, Application Methods & Exclusive Welcome Offers
Updated: 31 Dec 2025
Are you struggling with complicated company expenses or cash flow management? Or do you want to earn generous rewards from everyday business spending but aren’t sure which corporate credit card to choose?
Corporate credit cards not only help separate personal and business expenses, but also offer cashback, travel points, airport lounge access, business insurance, and more. They can even help improve your company’s credit rating, making it easier to apply for loans or expand your business in the future.
This article helps you understand different types of corporate credit cards, including business cards, enterprise cards, co-branded cards, and virtual cards, so you can easily find the card that best fits your company’s needs. We compare products from major banks like HSBC, American Express, and BEA, analyzing features, reward points, and annual fees.
Whether you’re looking for cashback, reward points, or long interest-free periods, this guide has the information you need. We also cover corporate-exclusive welcome offers, including first-year fee waivers, spending rewards, and partner benefits. Get ready to save on business expenses while enjoying premium business perks!
Card | Hot Reward Pick | MoneyHero Reward | Minimum Annual Income | Card Benefit | Annual Fee | ||
|---|---|---|---|---|---|---|---|
 | Airwallex Borderless Card | HK$2,000 | No Requirement | 1 % | - | ||
 | American Express® Gold Business Card | - | - | HK$200,000 | $6 per mile | HK$980 |
Minimum Annual Income
No RequirementCard Benefit
1 % cashbackApply through MoneyHero and choose from 1 premium rewards
- Welcome offer: Apple Gift Card
- No foreign txn fee
Repayment Details
Minimum Payment: Not Applicable
Fees
Foreign Currency Transaction Fee: 0 %
Eligibility
Min. Annual Income: No Requirement
Minimum Age: 18 years old
Key Features
- Exclusive offers for business travel
- Airwallex Borderless Cards support international transactions in 140+ currencies - start saving on international payment
- Regain control and visibility on business spending
- Enjoy unlimited 1% cash rebate on your local and international spending
- No charge on account opening. No maintenance fee.
Other things to note
- Companies are required to apply for an Airwallex account before they can issue Airwallex Borderless cards online.
- Companies can issue Airwallex Borderless cards in their accounts if they hold a valid HKBR.
- Airwallex Borderless Card is only available as virtual card at the moment.
- Airwallex is not a bank and is not supervised by the Hong Kong Monetary Authority.
- Airwallex is a holder of Money Service Operators License in Hong Kong (MSO License No. 16-09-01929).
Minimum Annual Income
HK$ HK$
200,000Card Benefit
$ 6 per mileAnnual Fee
HK$ HK$
980- Travel insurance
- Local spending rebate
- Travel agency offer
- Airport lounge
Repayment Details
Minimum Payment: Total spending of that month
Interest Free Period: 51 Days
Late Payment Charge: 3.9 %
Fees
Annual Fee: HK$980
Foreign Currency Transaction Fee: 2 %
Eligibility
Min. Annual Income: HK$200,000
Minimum Age: 18 years old
Key Features
- Earn rewards when you spend with the Card
- Local Spending - HK$1 = up to 2 Membership Rewards points*
- Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example, it’s equivalent to 0.66% savings.
- Take 18 Membership Reward points = 1 Asia Mile as an example.
- Foreign Currency Spending - HK$1 = up to 3 Membership Rewards points*
- Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example, it’s equivalent to 1% savings.
- Take 15 Membership Reward points = 1 Asia Mile as an example.
- *Only applicable to the first HK$300,000 equivalent of eligible spending with the Business Gold Card within each program period. For HK$300,001 and onwards, you will earn 1 Membership Rewards point for every HK$1 spent locally and 2 points for every HK$1 spent in foreign currencies.
- Membership Rewards points can be used for redeeming cash rebate, air miles, dining offers, cash vouchers, hotel stays, Card fee waivers, charities donation and other merchandises.
- Local Spending - HK$1 = up to 2 Membership Rewards points*
-
Better Control with the Business
- No pre-set spending limit
- Up to 51 credit-free days when paying suppliers
- Actual credit-free period will vary based on the date of charges and the billing cycle cut-off date. While no pre-set spending limit does not mean unlimited spending and charges are approved based on your payment history, credit records, spending pattern with us.
-
Business Insurance
- Enjoy up to HK$1,000,000 accident insurance for your business.
- Up to HK$2,000,000 Business Travel Accident Insurance
- Up to HK$4,000 for accommodation and essential clothing due to a delayed or cancelled flight and missed connection
- Up to HK$8,000 luggage delay
- Up to HK$10,000 for lost luggage
- The plan is underwritten by Chubb Insurance Hong Kong Limited, American Express International, Inc. (American Express) does not act as an agent or fiduciary for you, and American Express may act on behalf of the insurance provider, as permitted by law. Exclusions and limitations apply.
- Enjoy up to HK$1,000,000 accident insurance for your business.
- Lifestyle Benefits
- Access to airport lounges (Basic and supplementary Cardmembers are eligible to a total of two visits per year)
- Eligible American Express® Gold Business Card Cardmembers can enjoy Complimentary access to Plaza Premium Lounge (2 per calendar year)
- Access to airport lounges (Basic and supplementary Cardmembers are eligible to a total of two visits per year)
- First-year Annual Fee Waiver of HK$980 including 3 Complimentary Supplementary Cards
- From now till December 31, 2025, enjoy up to 10% savings on the original price of SHOPLINE’s unified commerce solution. Terms & Conditions apply.
- From now till December 31, 2025, new customers of iStock enjoy 20% savings on original price upon purchases of new subscriptions. Terms & Conditions apply.
- From now till December 31, 2025, enjoy 20% savings on the original price of the first 3 months of your purchase of an IWG Membership or Virtual office plan for any IWG brands and centers around the world (for new customers signing up for a 12-month contract or longer). Terms & Conditions apply.
- Eligibility Requirements
Applicants need to be- over 18 years of age;
- Gross personal income is over HK$200,000 p.a.;
- HK or Macau Residents or Citizens; and
- the owner, partner, shareholder, CEO, managing director or executive of the company.
- Existing Business Card or Gold Business Cardmember and applicants who held The Business Card or Gold Business Card at any time within the past 12 months from the date of this application are not eligible for these Welcome Offers.
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